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Delaware Medicare Insurance

Medicare in Delaware

Medicare offers healthcare coverage to Delaware residents age 65 or older, or to those Delaware residents that suffer from certain medical disabilities. In 2015, 180,529 people are enrolled in Medicare in Delaware, accounting for 19% of the population in Delaware. In 2009 about $10,421 was spent per Medicare enrollee in Delaware, slightly higher than the national average of $10,365 by 0.54%. Between 2015 to 2030 the number of seniors in Delaware is expected to rise by an estimated 59.95% according to calculations based off of the 2000 Census. Therefore the number of eligible Medicare beneficiaries in Delaware is also expected to increase.

Local Medicare Resources

Medicare beneficiaries and their caregivers can receive free, one-on-one, and unbiased health insurance counseling through ELDERinfo, Delaware’s State Health Insurance Assistance Program (SHIP). Additionally, Delaware’s Senior Medicare Patrol (SMP) is a program designed to help educate and empower individuals on how to identify, avoid, and report Medicare fraud, waste, and/or abuse.

Types of Medicare Coverage

Individuals that qualify for Medicare can sign up for Medicare Part A (hospital services) and Part B (medical services) through the Federal government. Part A is generally paid for by paycheck deductions from their working years (or their spouse's) but most Medicare beneficiaries pay for Part B through monthly premiums unless they qualify for financial assistance. If you are eligible for Original Medicare (Parts A & B) or if you are already enrolled in it, you also have the option to enroll in a Medicare Advantage Plan (Medicare Part C) instead of Original Medicare or add a stand alone prescription drug plan (Part D) to your current Original Medicare coverage. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Many Medicare beneficiaries will elect to enroll in a Medicare Advantage plan that includes prescription drug coverage or purchase a stand alone prescription drug plan to go with their Original Medicare coverage. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Additional benefits of Medicare Advantage plans such as dental, vision, or hearing coverage can help reduce out-of-pocket expenses for seniors with certain medical needs.

Delaware 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

The average total monthly premium for a 2017 Medicare Advantage plan with a drug component in Delaware is $59.31, 5.07% less than the national average of $62.48. 23.08% of 2017 Medicare Part C insurance plans in Delaware have a $0 monthly premium.

The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $400, but in Delaware the average annual drug deductible for Medicare Part C insurance plans with drug components is $104.62. 69.23% of 2017 Medicare Part C insurance plans with a drug component in Delaware have a $0 annual drug deductible.

The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in Delaware is $6,700.0. No 2017 Medicare Advantage plans in Delaware had a medical out-of-pocket limit of $3,400 or less.

The average overall CMS star rating assigned to Medicare Part C insurance plans in Delaware was 3.9 stars in 2017.

Among Delaware's 2017 Medicare Advantage plans with CMS star ratings:

84.62% earned a score of 4 stars

15.38% earned a score of 3.5 stars

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

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Delaware Medicare Insurance Companies

There are 10 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in Delaware. Of these, the companies that offer the largest variety of plans to choose from are Humana, Aetna, and UnitedHealthcare. In Delaware,. The following are all medicare insurance providers in Delaware:

Best Delaware Medicare Plans for Managing Diabetes

The following are the 5 highest rated medicare plans in Delaware based on their CMS rating for the plan's ability for diabetes care including: eye exam, kidney disease monitoring, blood sugar controlled and cholesterol controlled.